The Debt Trap Solved


My dear Thinette


This letter is all about Debt. Giving you tips and hints, and best of all, guidance to solve the problem of debt and the best way to become debt-free.

It might not be a money-spending problem my dear … it could be an income problem! Let’s try and get to the bottom of it to solve the debt trap.

Having the freedom you gained with age, brings new-found excitement. You are free to do whatever you want to.

It can at the same time lead you into many temptations. Seeing many of the goods you always yearned for and now it is possible to lay your hands on them. As long as you take responsibility for your actions, it is good.

The urge to buy what you see and want can cause much grieve and stress when falling into the debt trap. To avoid debt is the outcome everybody wants. To be able to live a debt-free life you need good planning and never spend more than you earn.

In this letter, we are going to give you tips and hints guiding you to solve the problem and Become Debt Free.

It will not be the end of the world to have debt, as long as you are sensible about it and try to get out of it, my dear.  Pick up the pieces, do your planning and walk away wiser from this experience.

No no … money is not the monster my dear. The way you manage money or rather the lack of management makes it the monster.

It can ruin your life when landing in debt.  The worst thing that can happen to you is falling into the claws of the law.

The Debt Trap Solved. Avoid a lawyer's office

You are so dear to me, I never want this to happen to you. This letter is to help you prevent seeing the inside of these offices.

The Debt Trap Solved with Guidance with Granny

Rules to Getting Debt Free.


Try and buy less and less every month. There are many things you buy that are not necessary. Ask your self, do I need this item or do I want it?

When confronted with a desire to buy, think twice and make sure which will benefit the most, the money staying in your pocket meaning sooner financial freedom or the WANT that is gone by tomorrow and make you poor for the rest of the month. 

Make it a rule, listen to the little voice sitting on your shoulder, buying less, and see how your savings accumulate my darling. 


Not just the young people are guilty of it, but adults who want to compete with the Jones’s next door falls into this trap. Being lazy and in the social spiral can drain your funds too.

Buying Take-Aways and Alcohol are the culprits. Most people are guilty of it. Don’t deprive yourself, but just do everything in moderation. Have a fixed budget according to planning for both those items per month and stick to it.

Without proper planning and discipline when you are earning, you will live from paycheck to paycheck for the rest of your life and never fulfil your dreams.

Your big dreams are possible to reach with good planning, discipline and dedication. Do it from the start and, Pay Yourself First, you will reach your goals much sooner than the rest.

Patience and persistence are the keys to achieving.

It is important to realize a birdie fresh from the nest can’t fly like an eagle. You have to start at the bottom like everybody else and not where your parents are when you left the nest.

The Debt Trap Solved. Two little eagle hatchlings can't fly.

Build up your little kingdom step by step to the big Empire you want it, it is essential for success. There will be times when all is not what you would want it to be, just keep going and it will smooth out.

Guidance with Granny The Debt Trap Solved


It is time for new habits to fit your dreams and goals, my dear. Out with the old lazy habits from your lifestyle as a kid, it will not suit your new life and dreams.

Feeling comfortable for too long is never a good thing. Find new challenges to enhance your exciting life, push your comfort zone boundaries.

• Plan the spending of your money wisely. Planning is the golden rule, my love. Find the pivotal point in your life when you realised the value of money and what money means to you. That will help you decide what you want for your money.

Mine came when I was 7 years old. On our way to our annual holiday, I left my pretty little bag with all my holiday money in at the table in a restaurant when we left. Needless to say, we never found it. My dad was very strict and did not give me more money, I had to learn a lesson. This is when you get to know the meaning of tough love.

Does money mean comfort, luxury, necessity or will it be the vehicle to your dreams? Have a plan of action for the money you will earn for the rest of your working life. Make it useful to fulfil the goals you have.

• Never waste money. Be honest, we all are guilty of throwing away food, or still usable stuff and clothes from a sale. Tell me will you tare up paper money and throw it in the dustbin? Well, this is what wasting money means.

• Have respect for money and it will come to you in abundance. No, not by magic my dear, but by realising the importance of every cent.

The Debt Trap Solved., a smiley face with dollar sign eyes the love of money..

• Greed and Envy are two evil monsters as a result of money. Avoid them like the plague my love. It should never bother you what others own or have. You don’t really want to know how deep in debt they are in private.

 The Debt Trap Solved. Man with a greedy face and envy looking over the fence

It is best to mind your own business.

The Debt Trap Solved

Everybody has, NEEDS and WANTS.

NEEDS are necessities you cannot function without

WANTS are what your heart desires

Never buy on the spur of the moment and never buy what you cannot afford. Make a choice that will fit your purse and budget. Be patient … your time will come, but you are not there yet.

Guidance with Granny The Debt Trap Solved


Start off on the right foot, find an infallible method and try not to fall into bad habits ruining your future. 


• Have you heard of the saying, my dear? It means what it says, in plain words SAVINGS.

Every month when you get paid a salary, have a debit order or do the payment yourself via the Internet into a one-way savings account. Never have the card of that account around, keep it in a file or better still cut into pieces.

This is money you will never use till your retirement day. Then it might be a million or two to add to your retirement funds.

Just pay and forget! So many older people on pension do not have enough funds to survive. Please prepare for that day.

• To reach your goals you have to climb the steps of success. Getting onto the first step is by helping other people in need. You might be struggling yourself, and have to get assistance from time to time, but by helping someone in need is the first important step.

• With that, you distance yourself from your situation of inferiority, by getting out you are building your self-esteem.

You are getting on to the first step of the ladder to success when focusing to help others. You will have a positive feeling that brings new-found confidence.

• The next step is to stay out of Debt. Some people brag about strings of credit cards hanging from their purse. Don’t be fooled my dear those banks own all their money and they have to beg for some every month.

 The Debt Trap Solved. A purse with string of credit cards.

• If you have a credit card with a limit, never use it to go into debt. Give your employer your credit account number to deposit your monthly income into. Use it as a debit card to purchase, this way you will always be aware of your limit and will save on interest too.

• Pay all your monthly responsibilities with the card, yourself first, your house rent, water and electricity, medical aid, insurance, car payment etc.

In the beginning, until you have formed new habits, decide how much money you will need yourself for personal use and draw your personal money cash.

• Divide it into four equal amounts and put in four envelopes marked week 1, week 2, week 3 and week 4. Every week just use what is in the envelope. Don’t feel tempted to ‘steal’ from the next week or go into debt for a Want.

• The media plays a major role to get you into Debt and the Banks make it so easy to get an overdraft. Don’t fall into their money-making ploy love.

The Debt Trap Solved.  An empty purse after over spending.

They add almost and sometimes more than 20% interest on top of the amount you pay, and after months of down payment, you pay almost double for the same item. Never overspend.

It becomes a bottomless hole where your money disappears into, leaving you with nothing in the bank.

• Have this golden rule:


It is long gone and you are still paying  …. bad choice!

 The Debt Trap Solved. Never buy clothes on credit, display window with lots of clothes.

Here is an idea. Go on a PHOTO shopping spree with a friend. Take some photos of the stuff you like in the shops, even try them on and let her take a photo. Sit on a couch and take a photo.

Go home and look at all the photos, see what you look like in the top or pants at a neutral place, and make an informed choice according to your budget. You will be impressed and proud of yourself.


When is something a responsibility? It is when something or somebody is placed in your care to give shelter, to feed and to clothing, you have to look after their well-being.

If you have a pet, it is your responsibility to clean after them, feed, love and care for them. Take them to the veterinarian when they are sick.

Will you have the money to take on that responsibility my dear? If not, don’t do it how cute it might be, rather go and visit a friend with a cute pet.

Cute little kittens as pets

Think ahead, first of all, Honour your responsibilities no matter what!

The Debt Trap Solved with Granny


My Dear, know what the goals for your hard-earned money will be.

• Do some proper planning though you never have learned it. Have a plan for the future of your money. Start at your end goals. Know how you want to live when you have my age. How are going to achieve it, most of all, how will you plan the journey.

• Set a goal for every five years. Plan how you are going to meet that goal. Will it be with more official studies, self-studies, extra relevant courses at work to enhance your position. Become an entrepreneur on the Internet, first of all, have a website and market products and writing blogs?

Man sitting with a laptop at a desk and a diary and cellphone next to him typing.

You will know best, make a study and, furthermore, ask help if you are serious and I do hope you will.

Two people at a desk with a laptop, tablet and a cellphone in discussion.

Find the purpose for your money, enjoy a bright future knowing where and how you are going to, and why! Make a decision and Take Control.

Guidance with Granny The Debt Trap Solved


•Start saving money from your first paycheck. Putting money away at least 10% of your monthly income is ideal and never touch it. Remember it is still your money but not for everyday use.

• Never buy what you can’t afford.  Stay within your limits. Pass all you buy by the NEEDS and WANTS test. Treat yourself once in a while, only, if it is within your budget.

•Know what you want from your money.  Find your goals in life and do some proper planning. Stick to your planning, kick into survival mode for future success my dear darling Thinette.



  • Find your purpose of why you want to work for the next 40 years? Either working for someone else or for yourself.

  • How are you going to better yourself in addition to have high-income skills?

  • A good mentor to learn and take advice from and develop a high-income skill is Dan Lok, he is The Man with a vision for the future.

  • When will you have a Debt Free Life? Name a date!


The Debt Trap Solved

Following these guidelines, my dear and you will have the debt trap solved. Follow these 7 rules to financial freedom. It is so much easier to prevent it, try your best not to fall into this deadly trap, my dear! 

If you still have not enough money after this exercise, you have an ‘Income Problem’ love.

Improve your skills to earn a better salary or find another job. You can’t go on like this, in the long run, it will land you in big deep trouble. Find a solution and act on it, my dear

Love you and wishing you all the best for the success you want to achieve.

Gran Stella

Best Internet Small Business

15 Comments on “The Debt Trap Solved”

  1. Hi Stella,

    Such great advice! Love it. This should be taught in every school in the world. Kids these days are not taught how to earn, how to save or how to spend money. And we wonder why there are so many broke people in the world!

    Your advice has been taught down the years. I remeber reading the Richest Man in Babylon. Such a great book on saving 10%.

    Responsibility is huge too. Thanks for telling it how it is.



    1. Growing up with no space for grey areas was all I knew, it was either right or wrong no maybes anywhere. It is hard for the young people of today to relate to it and even harder to guide them … but I will try my best!

      As you say Responsibility is very important and so are Respect and Integrity. All are necessary for a successful and truly happy life.

      Thank you for a very motivating comment, I do appreciate it.

  2. What wonderful tips! I like the idea of putting money into a savings account that I can’t just transfer money out of . I think even if I start small I will be doing better than I do now, as I don’t save anything. Being a single mom makes it kind of hard, but you have given me some ideas!

  3. Stella, your letter to your love one is an important message. The youngin’s can learn a lot from simply
    reading your letter. This letter is so nice, I like it. So much information here Stella, love it.

    I will read your other letters. You have so much to offer Stella.

    You have improved a lot here, I am soooo proud of you! I remember you as a person who didn’t know
    the difference between a computer and a typewriter. My Stella you have come a long way my dear friend.

    Again, you have so much to offer the world Stella, keep doing what you are doing, I am so excited
    for you! The skies the limit my friend!

    1. Your comment is very inspiring Frank thank you so much.Your help and support made it possible.
      There are so many misunderstanding and misconceptions. Society also plays a huge roll in the failure of many relationships.
      I wish most woman will wake up and smell the coffee. They miss out on the best part of life, and put their focus where it is not needed.
      You have motivated we to carry on and build my little castle.
      Will visit your site too in the morning.
      I appreciate your visit.
      Bush Lady

  4. Great advice Stella,

    I could certainly use the tips you state in this post. I am currently living paycheck to paycheck and have a number of debts.

    It is actually pretty easy to be debt free, I just need to not spend as much each month on socializing and buying silly things that I don’t really need. Also, buying less alcohol a month and cheaper food.

    I love your site and posts.

    Keep up the great work.


  5. This is the best advice a young person could ever get. Actually it’s the best advice that someone of any age could use. You reminded me that I need to pursue my dreams too with the comment on not being comfortable for too long and finding things that excite me. I’ve been contemplating a career change lately and your post is just what I needed to hear. Thanks Stella! 🙂

  6. Fantastic post Stella! I live a debt free life and spend less than I earn. Once I worked out this simple thing and focused on spending less rather than focusing on how I can earn more to buy more “stuff”. I stopped wanting to buy the things I didn’t need. Iv managed to drop down to working 3 days a week and now spend more time with my family and doing the things i love. It’s such a shame that a lot distractions and bad guidance leed people down the wrong path. So many young people leave education in dept! And continue to live their life that way.

    Fantastic advise, something I will be sharing with my children as they grow.

    Many thanks

    1. Hi Billy
      Isn’t it amazing with how much less you can live. I should put that in the letter too if I may?
      I have a huge house 600 sq m but are renting it out now. I moved into a little flat about 100 sq m. everything is in storage and you can’t believe how little one needs. Why have a dozen of all if you only use four of all.
      You are a wise man and your family can be very proud of you!
      Thank you for kind words I appreciate it very much.
      All the best to you.

  7. My granny passed 3 years ago. She was MY source of love, encouragement, acceptance, advice, wisdom and endless hugs. I miss her too much, Stella. Her daughter who happens to be my mother is the source of the exact opposite to me.
    I’m a bit overwhelmed by emotion right now. I feel I found a NEW source that can substitute the one I lost. Thank you so much!!!

    1. Hi Effie
      So very sorry to hear about your loss. Yes we want them to live forever.
      Thank you for the compliment and you are welome, I only have one grandchild and I myself was an only child. I have a big heart and place for more.
      Wishing you all the best!

  8. Great nuggets of advice. The most successful people financially have planned to be where they are at. They didn’t win the lottery and fate did not deal them security LOL. Planning yes!!

    Pay yourself first is a rule that if everyone followed the world would be better off. As we get older there would be something there. The US social security system takes that role on by deducting your Social security from your paycheck before you can even see it. It is enough to live on if you don’t have any DEBT when you retire LOL Most people in their mid sixties are still carrying massive debt. SAD

    I am in my mid sixties and have been at both ends of the financial stratum and believe it or not I have been happiest in the middle. More income seems to drive you to want more things which creates a merry go round lol

    So my advice to Thinnette is “Listen to Granny!”

    onward n upward

    1. Hi-hi Captain
      Money falling into one’s lap like lotto money or inheritance is easy money and as they say easy come easy go it seldom stays.
      Everything you sweat for, you appreciate more and take better care of.
      In our country you cannot count on government grants too much. It only adds up to about $120 so planning is the only way and from early on.
      So it is true that extremes are not the best thing? Having to little makes for a stressful live and too much makes you arrogant, greedy and blazé, just enough to live comfortably is the ideal …
      Thank you for your kind words it is motivating!
      I value your comment!

  9. A very important topic Stella! Being able to control your and your families finances is one of the corner stones of being a responsible adult. You have to keep track of your income and

    My three tips for care free finances would be:
    1. Put something aside. Either on a saving account, or more preferably on shares and holdings because the interest will be much higher these days. One good way to so save money is to buy your own apartment or house. The mortgage payments will be like putting money in the bank and in many places the payments are about the same you would pay for rent, which is only an expense instead of an investment.
    2. Use automated banking for recurrent payment. Make sure you check your transactions once a month but automation really takes a lot of stress out of the equation. There are great phone apps for this as well.
    3. Never buy anything big without thinking about at least three times if you really need it.

    Thanks for the good read Stella!

    1. Hi Jukka
      Managing one’s money can be tricky if you do not have the discipline.
      You make three valid points and it is very important.
      I should say saving is right on top as you mentioned … take the money off first thing every month and you will never know it was even there. If you see it growing month by month it will inspire you to save more. I don’t understand when people say they don’t have the money to save.
      It is still your money but not as handy. It has just been moved to another acount.
      Taking your own photos is a trick that works. When looking at buying a new car or couch. Take photos from different angles of the models you are looking at inside and outside, download at home and compare them with specs and all.
      At home you can make your own decision without interference from a salesman.

      I value your input.

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